Civic Intelligence

Via Credit Union

990 • Fiscal year 2013 • EIN 35-0884006

Jan 01, 2013 to Dec 31, 2013 • Filed on Sep 02, 2014

Organization ProfileWWW.VIACU.ORG

View Organization Page

4505 S Adams St46953

(765) 674-6631

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

33rd percentile

0.89x

Higher debt load relative to assets than 33% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Liabilities / Revenue

76th percentile

21.37x

Higher debt load relative to revenue than 76% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Net Margin

52nd percentile

15%

Higher net margin than 52% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Top Officer Pay

9th percentile

$215,339

Higher top officer pay than 9% of similar nonprofits.

Top officer pay equals 1.7% of source-year revenue.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Asset Growth

51st percentile

4.1%

Faster asset growth than 51% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets33rd percentile

Assets

Up

$298,327,172

Up $11,739,377 (+4.1%) from 2012

Net Assets

Up

$34,223,768

Up $1,818,916 (+5.6%) from 2012

Liabilities

Up

$264,103,404

Up $9,920,461 (+3.9%) from 2012

Revenue And Expenses
Liabilities / Revenue76th percentileNet Margin52nd percentile

Revenue

$12,358,097

No earlier filing loaded for comparison.

Expenses

Down

$10,539,182

Down $179,880 (-1.7%) from 2012

Net Income

$1,818,915

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth51st percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$600M$400M$200M$0Assets 2010: $253,891,317Liabilities 2010: $224,980,053Net Assets 2010: $28,911,2642010Assets 2011: $266,968,078Liabilities 2011: $236,554,912Net Assets 2011: $30,413,1662011Assets 2012: $286,587,795Liabilities 2012: $254,182,943Net Assets 2012: $32,404,8522012Assets 2013: $298,327,172Liabilities 2013: $264,103,404Net Assets 2013: $34,223,7682013Assets 2014: $308,878,262Liabilities 2014: $272,716,109Net Assets 2014: $36,162,1532014Assets 2015: $313,904,688Liabilities 2015: $275,552,658Net Assets 2015: $38,352,0302015Assets 2016: $323,402,288Liabilities 2016: $282,995,487Net Assets 2016: $40,406,8012016Assets 2017: $341,489,143Liabilities 2017: $297,030,568Net Assets 2017: $44,458,5752017Assets 2018: $360,759,938Liabilities 2018: $313,809,928Net Assets 2018: $46,950,0102018Assets 2019: $395,968,027Liabilities 2019: $346,474,886Net Assets 2019: $49,493,1412019Assets 2020: $449,645,503Liabilities 2020: $398,711,123Net Assets 2020: $50,934,3802020Assets 2021: $517,398,165Liabilities 2021: $462,118,386Net Assets 2021: $55,279,7792021Assets 2024: $577,206,622Liabilities 2024: $507,071,355Net Assets 2024: $70,135,2672024

Highlighted filing

2013

Assets$298,327,172
Liabilities$264,103,404
Net Assets$34,223,768
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$40M$30M$20M$10M$0Expenses 2010: $10,968,7992010Expenses 2011: $11,034,6042011Expenses 2012: $10,719,0622012Revenue 2013: $12,358,097Expenses 2013: $10,539,182Net Income 2013: $1,818,9152013Revenue 2014: $12,174,456Expenses 2014: $10,236,071Net Income 2014: $1,938,3852014Revenue 2015: $12,296,989Expenses 2015: $10,107,112Net Income 2015: $2,189,8772015Revenue 2016: $12,665,991Expenses 2016: $10,611,220Net Income 2016: $2,054,7712016Revenue 2017: $13,592,806Expenses 2017: $11,081,032Net Income 2017: $2,511,7742017Revenue 2018: $15,165,541Expenses 2018: $12,674,106Net Income 2018: $2,491,4352018Revenue 2019: $16,839,844Expenses 2019: $14,296,713Net Income 2019: $2,543,1312019Revenue 2020: $16,858,903Expenses 2020: $15,417,664Net Income 2020: $1,441,2392020Revenue 2021: $18,473,040Expenses 2021: $14,127,641Net Income 2021: $4,345,3992021Revenue 2024: $31,379,952Expenses 2024: $25,479,380Net Income 2024: $5,900,5722024

Highlighted filing

2013

Revenue$12,358,097
Expenses$10,539,182
Net Income$1,818,915
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Sep 2, 2014
Return Version
2013v3.1
Gross Receipts
$12,358,097
Mission and Program Overview

Mission

To serve the financially-related needs of our diverse membership while maintaining a sound, member-owned association. The credit union returns the profits to its members in the form of lower loan rates, higher savings rates, and free or low cost (continued on schedule o)

To serve the financially-related needs of our diverse membership while maintaining a sound, member-owned association.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$121,939,246$132,802,015▲ $10,862,769
Investments in Publicly Traded Securities$137,782,261$130,250,924▼ $7,531,337
Rtn Earn Endowment Incm Other Fnds$32,404,852$34,223,768▲ $1,818,916
Savings and Temporary Cash Investments$13,751,493$21,440,939▲ $7,689,446
Land, Buildings, and Equipment, Net$6,646,534$6,479,077▼ $167,457
Cash and Non-Interest-Bearing Accounts$2,766,548$3,755,761▲ $989,213
Prepaid Expenses and Deferred Charges$570,698$453,819▼ $116,879
Intangible Assets$172,723$122,836▼ $49,887
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$286,587,795$298,327,172▲ $11,739,377
Other Assets Total$2,958,292$3,021,801▲ $63,509
Liabilities
Other Liabilities$252,378,040$262,329,316▲ $9,951,276
Accounts Payable and Accrued Expenses$1,804,903$1,774,088▼ $30,815
Total Liabilities$254,182,943$264,103,404▲ $9,920,461
Net Assets / Fund Balance
Total Net Assets Fund Balance$32,404,852$34,223,768▲ $1,818,916
Total Liabilities and Net Assets / Fund Balance$286,587,795$298,327,172▲ $11,739,377

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,450,985$2,423,841$6,874,826
Equipment$805,461$3,264,298$4,069,759
Land$1,222,631-$1,222,631
Other Land Buildings$0--
Leasehold Improvements$0--
Compensation and Service Providers
Top Officer Pay9th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
John McintyreCEOFT$181,159$34,180$215,339
Lori FieneCFOFT$81,176$24,256$105,432

Board Members and Trustees

NameTitle
Clyde ThornellChairman of the Board
Verlis SlusherVice Chairman of the Board
Deleane SolomanBoard Member
Greg MaurerBoard Member
Herb MorganBoard Member
Jack ShaffnerBoard Member
John LightleBoard Member
Roger RothBoard Member
Timothy MitchenerBoard Member
Frances PackSecretary of the Board

Highest Paid Contractors

ContractorServicesLocationCompensation
Anthem Blue Cross And Blue ShieldInsurance-$484,783
Jack Henry & Associates INCSymitar In House Computer Service-$322,660
Appraiser Vendor LLCLoan Appraisals-$119,805
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$10,539,862
Investment Income
$1,784,230
Other Revenue
$34,005
Change in Net Assets
$1,818,915
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,356,418
Salaries, Compensation, and Employee Benefits$4,176,764
Grants and Similar Amounts Paid$6,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,912,019
Interest---$1,824,907
Office Expenses---$561,985
Depreciation Depletion---$528,731
Occupancy---$500,638
Other Employee Benefits---$477,401
Other Expenses---$442,234
Advertising---$354,776
Current Officers, Directors, Trustees, and Key Employees---$320,771
All Other Expenses---$305,528
Pension Plan Contributions---$234,559
Payroll Taxes---$232,014
Information Technology---$228,155
Insurance---$97,231
Conferences and Meetings---$69,698
Fees for Service Investment Mgmnt Fees---$45,771
Fees for Services Accounting---$39,600
Grants to Domestic Individuals---$6,000
Fees for Services Legal---$2,598
Total Functional Expenses$0$0$0$10,539,182
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' DEPOSITS$262,329,316
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
Yes
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Sec A, Line 4, Significant changes to organizational documents

“Added 7 new counties to field of membership”

Form 990, Part VI, Sec A, Line 6, Classes of members or stockholders

“Via credit union has one class of members. Anyone living or working in grant, blackford, madison, miami,wells,tipton, howard, wabash, delaware, hunington or hamilton county in indiana can join via credit union. Family members of current members and anyone living in the same household with a member are eligible for membership.”

Form 990, Part VI, Sec A, Line 7A, Members or stockholders electing members of governing body

“Via credit union is a member-owned credit union where each member has a vote. The members elect the governing body of the organization each year at the annual meeting.”

Form 990, Part VI, Sec A, Line 7B, Decisions requiring approval by members or stockholders

“The members must approve any changes to the articles of incorporation or bylaws.”

Form 990, Part VI, Sec B, Line 11B, Review of form 990 by governing body

“Upon completion of the form 990, the return is reviewed in detail by management. In addition, each member of the governing body receives a copy of the final form 990 before it is filed with the irs.”

Form 990, Part VI, Sec B, Line 12C, Conflict of interest policy

“Each officer, key employee and board member signs a conflict of interest policy annually. The ceo receives and reviews all conflict of interest forms. The ceo's conflict of interest form is reviewed by the board president. If any board member discloses a conflict, that person would be excused from any deliberations and decisions made.”

Form 990, Part VI, Sec B, Line 15A, Process to establish compensation of top management official

“The personnel committee, comprised of board members, determines the compensation for officers. Human resources receives a survey from an independent consultant and this survey is used to determine compensation. Deliberation and record of the discussion is in the committee minutes and the process was last undertaken in 2013.”

Form 990, Part VI, Sec B, Line 15B, Process to establish compensation of other employees

“The personnel committee, comprised of board members, determines the compensation for the officers and key employees. Human resources receives a survey from an independent consultant and this survey is used to determine compensation. Record of the discussion is in the committee minutes and the process was last undertaken in 2013.”

Form 990, Part VI, Sec C, Line 19, Required documents available to the public

“The financial statements are posted each month in the lobby of each branch. In addition, the governing documents, conflict of interest policy, and financial statements are available upon request.”

Filing and Contact Details

Filer

EIN
35-0884006
Phone
7656746631

Signing Officer

Name
Lori Fiene
Title
CFO
Signed
2014-09-02
Discuss with paid preparer
Yes

Organization Details

Formed
1936
Legal Domicile
In
Voting Board Members
11
Independent Board Members
10
Employees
92
Volunteers
13

Preparer

Preparer
Rachel Spurlock
Phone
3175698989
Supplemental Narrative

Financial Statement Notes

Schedule D, Part X, Line 2, FIN 48 (ASC 740) footnote

“The credit union is state chartered and is subject to state franchise tax. The franchise tax rate is 8.5% based on net income less transfers to restricted retained earnings for the year. There was $87,805 and $180,954 of tax expense included in other expense on the income statement for the period ended december 31, 2013 and 2012, respectively. The credit union is exempt from federal income tax, but is subject to unrelated business income tax on certain taxable income from activities deemed unrelated to the credit union's non-taxable status. Unrelated business income tax was $0 for the periods ended december 31, 2013 and 2012. A tax position is recognized as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the "more likely than not" test, no tax benefit is recorded. The effect of adopting this new guidance was not significant to the credit union's financial statements. The credit union recognizes interest and/or penalties related to income tax matters in income tax expense.”

Raw XML AppendixShowing 400 of 500 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt2CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt3VICE CHAIRMAN OF THE BOARD
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IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
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IRS990/MissionDesc0TO SERVE THE FINANCIALLY-RELATED NEEDS OF OUR DIVERSE MEMBERSHIP WHILE MAINTAINING A SOUND, MEMBER-OWNED ASSOCIATION. THE CREDIT UNION RETURNS THE PROFITS TO ITS MEMBERS IN THE FORM OF LOWER LOAN RATES, HIGHER SAVINGS RATES AND FREE OR LOW COST SERVICES. THE CREDIT UNION BRINGS FINANCIAL SERVICES TO PEOPLE WHO ARE UNABLE TO OBTAIN THEM ELSEWHERE OR AS A VALUABLE ALTERNATIVE TO THE TRADITIONAL FOR-PROFIT BANKING SYSTEM. THE CREDIT UNION RECEIVES DEPOSITS FROM AND MAKES LOANS TO ITS MEMBERS PRIMARILY LOCATED IN THE INDIANA COUNTIES OF BLACKFORD, GRANT, MADISON, AND MIAMI. THE MAJORITY OF ITS LOANS ARE COLLATERALIZED BY SPECIFIC ITEMS, INCLUDING CONSUMER ASSETS, RESIDENTIAL REAL ESTATE, AND MEMBER SHARE BALANCES.
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IRS990/OtherExpensesGrp/Desc1NCUSIF PREMIUM ASSESSMENT
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING & COLLECTION
IRS990/OtherExpensesGrp/Desc3NETWORK FEES
IRS990/OtherExpensesGrp/TotalAmt0530544
IRS990/OtherExpensesGrp/TotalAmt1197543
IRS990/OtherExpensesGrp/TotalAmt2626479
IRS990/OtherExpensesGrp/TotalAmt3442234
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0132802015
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IRS990/PensionPlanContributionsGrp/TotalAmt0234559
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IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0570698
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0453819
IRS990/PrincipalOfcrBusinessAddress/BusinessNameLine10JOHN MCINTYRE
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IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1SERVICE CHARGES AND FEES
IRS990/ProgramServiceRevenueGrp/Desc2INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3INSURANCE AND INVESTMENT PRODUCTS INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt07246365
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11892361
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21024139
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3376997
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11892361
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3376997
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt40
IRS990/ProgSrvcAccomActy2Grp/Desc0VIA CREDIT UNION OFFERS FREE CHECKING, REQUIRES NO MINIMUM BALANCE AND OFFERS UNLIMITED CHECK WRITING. MEMBERS ARE ABLE TO MANAGE THE CHECKING ACCOUNT THROUGH "VIA CONNECT," OUR INTERNET BANKING, OR VIAVOICE OUR AUTOMATED TELEPHONE SERVICE. "VIA BILL PAY" ALLOWS YOU TO PAY YOUR BILLS ON LINE FOR FREE.
IRS990/ProgSrvcAccomActy3Grp/Desc0THE CREDIT UNION OFFERS NEW AND USED AUTO LOANS, HOME EQUITY LOANS, UNSECURED LOANS, MORTGAGES AND CREDIT CARD LOANS AT COMPETITIVE LOAN RATES, FLEXIBLE TERMS AND AUTOMATIC PAYMENT OPTIONS.
IRS990/ProgSrvcAccomActyOtherGrp/Desc0THE CREDIT UNION'S SUPPORTING ORGANIZATION, VIA FINANCIAL GROUP, SELLS NONDEPOSIT INVESTMENT AND INSURANCE PRODUCTS TO CREDIT UNION MEMBERS AND OTHERS FROM ITS MARION, INDIANA OFFICE.
IRS990/ProhibitedTaxShelterTransInd0false
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IRS990/PYInvestmentIncomeAmt02135478
IRS990/PYOtherExpensesAmt06628782
IRS990/PYOtherRevenueAmt035899
IRS990/PYProgramServiceRevenueAmt010539371
IRS990/PYRevenuesLessExpensesAmt01991686
IRS990/PYSalariesCompEmpBnftPaidAmt04084280
IRS990/PYTotalExpensesAmt010719062
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt012710748
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IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt01818915
IRS990/RegularMonitoringEnfrcInd0true
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IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt0815
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IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt032404852
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt034223768
IRS990/SavingsAndTempCashInvstGrp/BOYAmt013751493
IRS990/SavingsAndTempCashInvstGrp/EOYAmt021440939
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt04450985
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02423841
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06874826
IRS990ScheduleD/EquipmentGrp/BookValueAmt0805461
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03264298
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04069759
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
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IRS990ScheduleD/LandGrp/BookValueAmt01222631
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01222631
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0262329316
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' DEPOSITS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS STATE CHARTERED AND IS SUBJECT TO STATE FRANCHISE TAX. THE FRANCHISE TAX RATE IS 8.5% BASED ON NET INCOME LESS TRANSFERS TO RESTRICTED RETAINED EARNINGS FOR THE YEAR. THERE WAS $87,805 AND $180,954 OF TAX EXPENSE INCLUDED IN OTHER EXPENSE ON THE INCOME STATEMENT FOR THE PERIOD ENDED DECEMBER 31, 2013 AND 2012, RESPECTIVELY. THE CREDIT UNION IS EXEMPT FROM FEDERAL INCOME TAX, BUT IS SUBJECT TO UNRELATED BUSINESS INCOME TAX ON CERTAIN TAXABLE INCOME FROM ACTIVITIES DEEMED UNRELATED TO THE CREDIT UNION'S NON-TAXABLE STATUS. UNRELATED BUSINESS INCOME TAX WAS $0 FOR THE PERIODS ENDED DECEMBER 31, 2013 AND 2012. A TAX POSITION IS RECOGNIZED AS A BENEFIT ONLY IF IT IS "MORE LIKELY THAN NOT" THAT THE TAX POSITION WOULD BE SUSTAINED IN A TAX EXAMINATION, WITH A TAX EXAMINATION BEING PRESUMED TO OCCUR. THE AMOUNT RECOGNIZED IS THE LARGEST AMOUNT OF TAX BENEFIT THAT IS GREATER THAN 50% LIKELY OF BEING REALIZED ON EXAMINATION. FOR TAX POSITIONS NOT MEETING THE "MORE LIKELY THAN NOT" TEST, NO TAX BENEFIT IS RECORDED. THE EFFECT OF ADOPTING THIS NEW GUIDANCE WAS NOT SIGNIFICANT TO THE CREDIT UNION'S FINANCIAL STATEMENTS. THE CREDIT UNION RECOGNIZES INTEREST AND/OR PENALTIES RELATED TO INCOME TAX MATTERS IN INCOME TAX EXPENSE.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part X, Line 2, FIN 48 (ASC 740) footnote
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IRS990ScheduleD/TotalLiabilityAmt0262329316
IRS990ScheduleI/GrantRecordsMaintainedInd0true
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt06000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0SCHOLARSHIPS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/NonCashAssistanceAmt00
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt06
IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0TO BE ELIGIBLE FOR A SCHOLARSHIP, A STUDENT MUST BE A GRADUATING HIGH SCHOOL SENIOR, BEEN A MEMBER OF THE VIA CREDIT UNION FOR AT LEAST ONE YEAR AND HAVE A B AVERAGE. IN ORDER FOR A SCHOLARSHIP RECIPIENT TO RECEIVE THE FUNDS, HE/SHE MUST PROVIDE A CLASS SCHEDULE. A CHECK IS THEN MADE PAYABLE TO THE INDIVIDUAL AND THE UNIVERSITY THEY ARE ATTENDING. THE ORGANIZATION HAS A SCHOLARSHIP COMMITTEE MADE UP OF ONE MANAGEMENT TEAM MEMBER, ONE BOARD MEMBER AND THREE AT LARGE MEMBERS. THE COMMITTEE REVIEWED THE APPLICATIONS AND CHOSE THE 6 RECIPIENTS.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule I, Part I, Line 2, Procedures for monitoring use of grant funds
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JOHN MCINTYRE
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IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ADDED 7 NEW COUNTIES TO FIELD OF MEMBERSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1VIA CREDIT UNION HAS ONE CLASS OF MEMBERS. ANYONE LIVING OR WORKING IN GRANT, BLACKFORD, MADISON, MIAMI,WELLS,TIPTON, HOWARD, WABASH, DELAWARE, HUNINGTON OR HAMILTON COUNTY IN INDIANA CAN JOIN VIA CREDIT UNION. FAMILY MEMBERS OF CURRENT MEMBERS AND ANYONE LIVING IN THE SAME HOUSEHOLD WITH A MEMBER ARE ELIGIBLE FOR MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2VIA CREDIT UNION IS A MEMBER-OWNED CREDIT UNION WHERE EACH MEMBER HAS A VOTE. THE MEMBERS ELECT THE GOVERNING BODY OF THE ORGANIZATION EACH YEAR AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE MEMBERS MUST APPROVE ANY CHANGES TO THE ARTICLES OF INCORPORATION OR BYLAWS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4UPON COMPLETION OF THE FORM 990, THE RETURN IS REVIEWED IN DETAIL BY MANAGEMENT. IN ADDITION, EACH MEMBER OF THE GOVERNING BODY RECEIVES A COPY OF THE FINAL FORM 990 BEFORE IT IS FILED WITH THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5EACH OFFICER, KEY EMPLOYEE AND BOARD MEMBER SIGNS A CONFLICT OF INTEREST POLICY ANNUALLY. THE CEO RECEIVES AND REVIEWS ALL CONFLICT OF INTEREST FORMS. THE CEO'S CONFLICT OF INTEREST FORM IS REVIEWED BY THE BOARD PRESIDENT. IF ANY BOARD MEMBER DISCLOSES A CONFLICT, THAT PERSON WOULD BE EXCUSED FROM ANY DELIBERATIONS AND DECISIONS MADE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE PERSONNEL COMMITTEE, COMPRISED OF BOARD MEMBERS, DETERMINES THE COMPENSATION FOR OFFICERS. HUMAN RESOURCES RECEIVES A SURVEY FROM AN INDEPENDENT CONSULTANT AND THIS SURVEY IS USED TO DETERMINE COMPENSATION. DELIBERATION AND RECORD OF THE DISCUSSION IS IN THE COMMITTEE MINUTES AND THE PROCESS WAS LAST UNDERTAKEN IN 2013.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE PERSONNEL COMMITTEE, COMPRISED OF BOARD MEMBERS, DETERMINES THE COMPENSATION FOR THE OFFICERS AND KEY EMPLOYEES. HUMAN RESOURCES RECEIVES A SURVEY FROM AN INDEPENDENT CONSULTANT AND THIS SURVEY IS USED TO DETERMINE COMPENSATION. RECORD OF THE DISCUSSION IS IN THE COMMITTEE MINUTES AND THE PROCESS WAS LAST UNDERTAKEN IN 2013.

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$298,327,172
Liabilities
$264,103,404
Net assets
$34,223,768
Revenue
$12,358,097
Expenses
$10,539,182
Net income
$1,818,915
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$577$507$70.1$31.4$25.5$5.90
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$517$462$55.3$18.5$14.1$4.35
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$450$399$50.9$16.9$15.4$1.44
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$396$346$49.5$16.8$14.3$2.54
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$361$314$47.0$15.2$12.7$2.49
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$341$297$44.5$13.6$11.1$2.51
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$323$283$40.4$12.7$10.6$2.05
2015Detailed filing. Detailed filing data is available for this year.$314$276$38.4$12.3$10.1$2.19
2014Detailed filing. Detailed filing data is available for this year.$309$273$36.2$12.2$10.2$1.94
2013Detailed filing. Detailed filing data is available for this year.$298$264$34.2$12.4$10.5$1.82
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$287$254$32.4$10.7
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$267$237$30.4$11.0
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$254$225$28.9$11.0
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